{"id":772,"date":"2014-06-13T14:42:11","date_gmt":"2014-06-13T12:42:11","guid":{"rendered":"http:\/\/reassurez-moi.fr\/guide\/?page_id=772"},"modified":"2026-09-02T14:56:48","modified_gmt":"2026-09-02T12:56:48","slug":"quotite","status":"publish","type":"page","link":"https:\/\/guide.reassurez-moi.fr\/guide\/assurance-pret-immobilier\/quotite","title":{"rendered":"Quotit\u00e9 assurance emprunteur : d\u00e9finition et choix"},"content":{"rendered":"\n<p class=\"has-text-align-left\">La quotit\u00e9 d&rsquo;<a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\">assurance emprunteur<\/a> est la part du pr\u00eat immobilier couverte par l&rsquo;assurance pour chaque emprunteur en cas de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9. Bien la choisir est un enjeu majeur car une quotit\u00e9 trop faible laisse un reste \u00e0 charge risqu\u00e9 pour le survivant, et une quotit\u00e9 trop \u00e9lev\u00e9e fait payer des cotisations inutiles. Voici comment elle fonctionne et comment d\u00e9terminer la r\u00e9partition adapt\u00e9e \u00e0 votre situation.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Ce qu&rsquo;il faut retenir<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La quotit\u00e9 est la part du capital assur\u00e9e<\/strong> pour chaque emprunteur, exprim\u00e9e en pourcentage. <\/li>\n\n\n\n<li><strong>Seul, la quotit\u00e9 est de 100 %<\/strong>, \u00e0 plusieurs, elle se r\u00e9partit entre les co-emprunteurs. <\/li>\n\n\n\n<li><strong>La couverture totale doit atteindre au moins 100 %<\/strong>, sinon la banque refuse le pr\u00eat. <\/li>\n\n\n\n<li><strong>Elle influence directement le co\u00fbt<\/strong> : plus la part assur\u00e9e est \u00e9lev\u00e9e, plus la cotisation augmente. <\/li>\n\n\n\n<li><strong>Elle se modifie \u00e0 tout moment<\/strong> gr\u00e2ce \u00e0 la loi Lemoine, sans frais.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-rm-button-orange\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/reassurez-moi.fr\/simulation-assurance-pret-immobilier\">Comparer les assurances de pr\u00eat<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&rsquo;est-ce que la quotit\u00e9 d&rsquo;assurance emprunteur ?<\/h2>\n\n\n\n<p>La quotit\u00e9 correspond \u00e0 la part du capital emprunt\u00e9 couverte par l&rsquo;assurance pour chaque emprunteur. C&rsquo;est le pourcentage du pr\u00eat que l&rsquo;assureur remboursera en cas de <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/deces\">d\u00e9c\u00e8s<\/a>, d&rsquo;invalidit\u00e9 ou d&rsquo;incapacit\u00e9 de travail. <\/p>\n\n\n\n<p>Concr\u00e8tement, avec une quotit\u00e9 \u00e0 100 %, le pr\u00eat est enti\u00e8rement sold\u00e9. \u00c0 50 %, la moiti\u00e9 du capital restant d\u00fb reste \u00e0 payer.<\/p>\n\n\n\n<p>Le principe d\u00e9pend du nombre d&#8217;emprunteurs :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong>Emprunteur seul<\/strong> : la quotit\u00e9 est forc\u00e9ment de 100 %. La banque exige que l&rsquo;int\u00e9gralit\u00e9 du pr\u00eat soit couverte.<\/li>\n\n\n\n<li><strong>Co-emprunteurs<\/strong> : la quotit\u00e9 se r\u00e9partit entre eux (50\/50, 70\/30, etc.), avec une r\u00e8gle imp\u00e9rative : le total doit atteindre <strong>au moins 100 %<\/strong>.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-warning without-background\"><p>\u26a0\ufe0f \u00c0 ne pas confondre avec le <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/taux\">taux d&rsquo;assurance<\/a>, qui exprime le co\u00fbt du contrat. La quotit\u00e9 concerne la r\u00e9partition du risque entre les emprunteurs, pas le prix. Les deux notions se combinent, mais ne se confondent pas.<\/p><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Rethink+Sans:wght@400;500;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n\n<style>\n  .ebook-banner {\n    display: flex;\n    align-items: center;\n    gap: 32px;\n    background: #f5f0eb;\n    border-radius: 16px;\n    padding: 32px 36px;\n    margin: 48px 0;\n    border: 1px solid #e8e0d8;\n    max-width: 100%;\n    box-sizing: border-box;\n    font-family: 'Rethink Sans', sans-serif;\n  }\n\n  .ebook-banner__content {\n    flex: 1;\n    min-width: 0;\n  }\n\n  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font-size: 13px;\n    color: #5c5855;\n    margin: 0 0 20px 0;\n    line-height: 1.5;\n  }\n\n  .ebook-banner__cta {\n    display: inline-block;\n    background: #496B4A;\n    color: #ffffff !important;\n    font-size: 15px;\n    font-weight: 700;\n    padding: 12px 28px;\n    border-radius: 8px;\n    text-decoration: none !important;\n    transition: background 0.2s ease, transform 0.15s ease;\n    cursor: pointer;\n  }\n\n  .ebook-banner__cta:hover {\n    background: #3f5d40;\n    transform: translateY(-1px);\n    color: #ffffff !important;\n    text-decoration: none !important;\n  }\n\n  .ebook-banner__reassurance {\n    display: flex;\n    align-items: center;\n    gap: 16px;\n    margin-top: 12px;\n    font-size: 11px;\n    color: #8a847d;\n  }\n\n  .ebook-banner__reassurance span {\n    display: flex;\n    align-items: center;\n    gap: 4px;\n  }\n\n  .ebook-banner__visual {\n    flex-shrink: 0;\n    width: 200px;\n  }\n\n  .ebook-banner__visual img {\n    width: 100%;\n    height: auto;\n    border-radius: 8px;\n    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.1);\n    transform: rotate(-2deg);\n    display: block;\n  }\n\n  \/* ===== RESPONSIVE ===== *\/\n\n  @media (max-width: 768px) {\n    .ebook-banner {\n      flex-direction: column-reverse;\n      text-align: center;\n      padding: 24px 20px;\n      gap: 20px;\n    }\n\n    .ebook-banner__visual {\n      width: 140px;\n    }\n\n    .ebook-banner__title {\n      font-size: 19px;\n    }\n\n    .ebook-banner__stats {\n      font-size: 14px;\n    }\n\n    .ebook-banner__cta {\n      display: block;\n      text-align: center;\n      padding: 14px 24px;\n    }\n\n    .ebook-banner__reassurance {\n      justify-content: center;\n      flex-wrap: wrap;\n    }\n  }\n<\/style>\n\n<div class=\"ebook-banner\">\n\n  <div class=\"ebook-banner__content\">\n\n    <div class=\"ebook-banner__badge\">\n      E-book gratuit\n    <\/div>\n\n    <span class=\"ebook-banner__title\">\n      Le guide 2026 pour payer votre cr\u00e9dit immobilier moins cher\n    <\/span>\n\n    <p class=\"ebook-banner__stats\">\n      Jusqu&rsquo;\u00e0 <span>18 000 \u20ac d&rsquo;\u00e9conomie<\/span> sur votre assurance emprunteur\n    <\/p>\n\n    <p class=\"ebook-banner__desc\">\n      N\u00e9gociation, ren\u00e9gociation, changement d&rsquo;assurance : 7 chapitres de conseils pratiques, cas chiffr\u00e9s et checklists pour reprendre le pouvoir sur votre cr\u00e9dit.\n    <\/p>\n\n    <a href=\"https:\/\/reassurez-moi.typeform.com\/to\/sXcsfBOg\"\n       target=\"_blank\"\n       rel=\"noopener noreferrer\"\n       class=\"ebook-banner__cta\">\n      T\u00e9l\u00e9charger gratuitement&nbsp;&nbsp;\u2192\n    <\/a>\n\n    <div class=\"ebook-banner__reassurance\">\n      <span>\u2713 Gratuit<\/span>\n      <span>\u2713 Sans engagement<\/span>\n      <span>\u2713 PDF imm\u00e9diat<\/span>\n    <\/div>\n\n  <\/div>\n\n  <div class=\"ebook-banner__visual\">\n\n    <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2026\/03\/Capture-decran-2026-03-30-a-18.33.51.png\"\n         alt=\"E-book gratuit \u2014 Le guide 2026 pour payer votre cr\u00e9dit immobilier moins cher \u2014 R\u00e9assurez-Moi\"\n         loading=\"lazy\"\n         width=\"400\"\n         height=\"566\" \/>\n\n  <\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Comment fonctionne la quotit\u00e9 entre co-emprunteurs ?<\/h2>\n\n\n\n<p>Quand deux personnes empruntent ensemble, elles r\u00e9partissent la quotit\u00e9 selon leurs revenus, leur situation et le niveau de protection souhait\u00e9. Trois grandes configurations existent.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1200\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2026\/09\/quotite-assurance-emprunteur.png\" alt=\"quotite assurance emprunteur\" class=\"wp-image-225001\" srcset=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2026\/09\/quotite-assurance-emprunteur.png 1080w, https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2026\/09\/quotite-assurance-emprunteur-270x300.png 270w, https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2026\/09\/quotite-assurance-emprunteur-450x500.png 450w, https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2026\/09\/quotite-assurance-emprunteur-768x853.png 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table is-style-table-with-vertical-headers\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">R\u00e9partition<\/th><th class=\"has-text-align-center\" data-align=\"center\">Quotit\u00e9 totale<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pris en charge par l\u2019assurance<\/th><th class=\"has-text-align-center\" data-align=\"center\">Reste \u00e0 payer par le survivant<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>50\/ 50<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">100 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 % du capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 % du capital<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>70\/ 30<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">100 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">70 % ou 30 % du capital selon le sinistre<\/td><td class=\"has-text-align-center\" data-align=\"center\">30 % ou 70 %<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>100\/ 100<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">200 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 % du capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>75\/75<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">150 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">75 % du capital<\/td><td class=\"has-text-align-center\" data-align=\"center\">25 % du capital<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>R\u00e9partitions possibles de la quotit\u00e9 entre deux co-emprunteurs.<\/em><\/figcaption><\/figure>\n\n\n\n<p>La configuration <strong>100\/100<\/strong> (chacun assur\u00e9 \u00e0 100 %, soit 200 % au total) offre la protection maximale. Au d\u00e9c\u00e8s de l&rsquo;un, le pr\u00eat est int\u00e9gralement sold\u00e9 et le survivant n&rsquo;a plus rien \u00e0 payer. C&rsquo;est plus cher, mais tr\u00e8s protecteur.<\/p>\n\n\n\n<div>[expert_comment user_name=\u00a0\u00bbHubert Couture-Fourcade\u00a0\u00bb job_title=\u00a0\u00bbAgent immobilier (ancien notaire)\u00a0\u00bb clickable=\u00a0\u00bbtrue\u00a0\u00bb comment=\u00a0\u00bbJ\u2019ai vu plusieurs cas o\u00f9 la quotit\u00e9 n\u2019\u00e9tait pas adapt\u00e9e \u00e0 la r\u00e9alit\u00e9 du couple. Au moment d\u2019un d\u00e9c\u00e8s, le survivant se retrouvait \u00e0 devoir rembourser une part du pr\u00eat qu\u2019il ne pouvait pas assumer. Il est important de fixer la r\u00e9partition en fonction des revenus r\u00e9els et non par habitude.\u00a0\u00bb]<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Comment choisir et calculer la bonne quotit\u00e9 ?<\/h2>\n\n\n\n<p>Calculer la bonne quotit\u00e9 ne se limite pas \u00e0 diviser par deux. Les couples optent trop souvent pour du 50\/50 par habitude, sans analyser leur situation r\u00e9elle, ce qui peut \u00eatre une erreur, surtout jeune et sur une longue dur\u00e9e.<\/p>\n\n\n\n<p>La m\u00e9thode en quatre temps :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-pros\">\n<li><strong>Identifiez le montant total du pr\u00eat<\/strong>, base de r\u00e9partition des quotit\u00e9s.<\/li>\n\n\n\n<li><strong>D\u00e9terminez la part de remboursement de chacun<\/strong>, selon les revenus et les projets (cong\u00e9 parental, temps partiel).<\/li>\n\n\n\n<li><strong>Choisissez une quotit\u00e9 qui refl\u00e8te la capacit\u00e9 de remboursement<\/strong> de chaque emprunteur.<\/li>\n\n\n\n<li><strong>V\u00e9rifiez l&rsquo;ad\u00e9quation avec les besoins de protection<\/strong> : en cas de d\u00e9c\u00e8s de l&rsquo;un, le survivant pourrait-il continuer \u00e0 payer sa part ? Si non, optez pour une quotit\u00e9 renforc\u00e9e.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><p><strong>Deux rep\u00e8res simples selon le projet :<\/strong> <br\/>Pour une <strong>r\u00e9sidence principale<\/strong>, privil\u00e9giez une quotit\u00e9 \u00e9lev\u00e9e (100\/100 ou 75\/75) pour ne jamais risquer de perdre votre logement. <br\/>Pour un <strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/investissement-locatif\">investissement locatif<\/a><\/strong>, une quotit\u00e9 plus faible (50\/50) peut suffire, puisque les loyers compensent une partie des mensualit\u00e9s. <br\/>La pr\u00e9sence d&rsquo;<strong>enfants \u00e0 charge<\/strong> plaide aussi pour une quotit\u00e9 \u00e9lev\u00e9e, car leur charge financi\u00e8re persiste en cas de d\u00e9c\u00e8s d&rsquo;un parent.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">La quotit\u00e9 selon votre profil<\/h2>\n\n\n\n<p>En pratique, c&rsquo;est votre profil d&#8217;emprunteur (revenus, \u00e2ge, <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/formalites-medicales\">\u00e9tat de sant\u00e9<\/a>, m\u00e9tier) qui d\u00e9termine la r\u00e9partition optimale. Un exemple concret l&rsquo;illustre bien.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-blue-border is-layout-flow wp-block-column-is-layout-flow\">\n<p>\ud83d\udcac <strong>Matthieu et Laura empruntent 300 000 \u20ac sur 25 ans.<\/strong> Matthieu gagne 1 500 \u20ac\/mois, Laura 4 500 \u20ac\/mois.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>Avec une quotit\u00e9 <strong>75 % (Laura) \/ 25 % (Matthieu)<\/strong> : si Laura d\u00e9c\u00e8de, Matthieu n&rsquo;a plus que 75 000 \u20ac \u00e0 rembourser, soit environ 330 \u20ac\/mois, difficile mais g\u00e9rable avec son revenu. Si Matthieu d\u00e9c\u00e8de, Laura doit rembourser 225 000 \u20ac, soit environ 990 \u20ac\/mois, tout \u00e0 fait g\u00e9rable avec son revenu. Cette r\u00e9partition refl\u00e8te le poids r\u00e9el de chacun dans le foyer.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>Avec une quotit\u00e9 <strong>50\/50<\/strong> : en cas de sinistre, la moiti\u00e9 du pr\u00eat reste \u00e0 rembourser. G\u00e9rable pour Laura, mais risqu\u00e9 pour Matthieu avec un revenu plus faible. C&rsquo;est pourquoi le 50\/50 \u00ab par d\u00e9faut \u00bb n&rsquo;est pas toujours le bon choix.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table is-style-table-with-vertical-headers\"><table><thead><tr><th><strong>Profil<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Type de bien<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>R\u00e9partition conseill\u00e9e<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Protection<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Emprunteur seul<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tous types<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 <\/td><td class=\"has-text-align-center\" data-align=\"center\">Totale<\/td><\/tr><tr><td>Couple \u00e0 revenus \u00e9gaux<\/td><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9sidence principale<\/td><td class=\"has-text-align-center\" data-align=\"center\">50\/50 ou 100\/100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Moyenne \u00e0 maximale<\/td><\/tr><tr><td>Couple \u00e0 revenus in\u00e9gaux<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tous types<\/td><td class=\"has-text-align-center\" data-align=\"center\">70 % \/ 30 % ou 60 % \/ 40 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Adapt\u00e9e aux revenus<\/td><\/tr><tr><td>Investisseurs locatifs<\/td><td class=\"has-text-align-center\" data-align=\"center\">Bien locatif<\/td><td class=\"has-text-align-center\" data-align=\"center\">50 % \/ 50 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Suffisante<\/td><\/tr><tr><td>Couple prudent souhaitant s\u00e9curit\u00e9 absolue<\/td><td class=\"has-text-align-center\" data-align=\"center\">R\u00e9sidence principale<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 % \/ 100 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">Totale<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">comparatif quotit\u00e9 d&rsquo;assurance selon le profil de l&#8217;emprunetur<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><p>Pour approfondir le cas conjugal, consultez notre page d\u00e9di\u00e9e \u00e0 la <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/couple\">quotit\u00e9 pour un couple<\/a>.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Peut-on modifier sa quotit\u00e9 ?<\/h2>\n\n\n\n<p>Oui. Vous pouvez changer la r\u00e9partition de la quotit\u00e9 en cours de cr\u00e9dit, notamment lors d&rsquo;une ren\u00e9gociation ou d&rsquo;une <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/changer\">substitution d&rsquo;assurance<\/a>. C&rsquo;est pertinent si les revenus du foyer \u00e9voluent, si l&rsquo;un des emprunteurs devient plus fragile, ou si la situation familiale change.<\/p>\n\n\n\n<div>[expert_comment user_name=\u00a0\u00bbHubert Couture-Fourcade\u00a0\u00bb job_title=\u00a0\u00bbAgent immobilier (ancien notaire)\u00a0\u00bb clickable=\u00a0\u00bbtrue\u00a0\u00bb comment=\u00a0\u00bbLors d\u2019une revente ou d\u2019un rachat, les emprunteurs red\u00e9couvrent parfois qu\u2019ils \u00e9taient assur\u00e9s \u00e0 50 % chacun, pensant \u00e0 tort que le pr\u00eat serait sold\u00e9 en cas de d\u00e9c\u00e8s. Il est donc tr\u00e8s important de comprendre l\u2019impact des quotit\u00e9s d\u00e8s la signature plut\u00f4t que d\u2019en mesurer les cons\u00e9quences trop tard.\u00a0\u00bb]<\/div>\n\n\n\n<p>Pensez \u00e0 r\u00e9\u00e9valuer votre quotit\u00e9 r\u00e9guli\u00e8rement. Celle choisie il y a dix ans ne correspond plus forc\u00e9ment \u00e0 votre situation actuelle (\u00e2ge, enfants, revenus). Depuis la <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-pret-immobilier\/loi-lemoine\">loi Lemoine<\/a>, changer d&rsquo;assurance et ajuster sa quotit\u00e9 est possible \u00e0 tout moment et sans frais. La modification implique une nouvelle \u00e9tude du risque par l&rsquo;assureur, donc un possible ajustement du prix.<\/p>\n\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Assurance emprunteur\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            les meilleures offres 2026\n        <\/p>\n        <a\n            href=\"https:\/\/app.reassurez-moi.fr\/parcours-assurance-pret-immobilier\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Comparer\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                nos assurances de pr\u00eat\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ : quotit\u00e9 d&rsquo;assurance emprunteur<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1644450444071\"><h3 class=\"schema-faq-question my-0 font-semibold\">Quelle quotit\u00e9 quand on emprunte seul ?<\/h3> <p class=\"schema-faq-answer\">Pour un emprunteur unique, la quotit\u00e9 est automatiquement de 100 %. La banque exige que l&rsquo;int\u00e9gralit\u00e9 du pr\u00eat soit couverte pour garantir son remboursement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1644450290634\"><h3 class=\"schema-faq-question my-0 font-semibold\">Peut-on avoir 200 % de quotit\u00e9 ?<\/h3> <p class=\"schema-faq-answer\">Oui, en assurant chaque co-emprunteur \u00e0 100 %. C&rsquo;est la configuration la plus protectrice : au d\u00e9c\u00e8s de l&rsquo;un, le pr\u00eat est int\u00e9gralement sold\u00e9 et le survivant n&rsquo;a plus rien \u00e0 payer.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1644450375593\"><h3 class=\"schema-faq-question my-0 font-semibold\">Quelle est la meilleure r\u00e9partition de quotit\u00e9 pour un couple ?<\/h3> <p class=\"schema-faq-answer\">Il n&rsquo;existe pas de r\u00e9partition id\u00e9ale universelle. Elle doit refl\u00e9ter les revenus de chacun et le niveau de s\u00e9curit\u00e9 souhait\u00e9 pour le survivant. Plus les revenus sont d\u00e9s\u00e9quilibr\u00e9s, plus il est pertinent d&rsquo;attribuer une quotit\u00e9 \u00e9lev\u00e9e \u00e0 celui qui gagne le plus.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1719754072127\"><h3 class=\"schema-faq-question my-0 font-semibold\">La quotit\u00e9 influence-t-elle le prix de l\u2019assurance emprunteur ?<\/h3> <p class=\"schema-faq-answer\">Oui, directement. Plus la part assur\u00e9e est \u00e9lev\u00e9e, plus la cotisation augmente. Une r\u00e9partition 100\/100 co\u00fbte donc plus cher qu&rsquo;un 50\/50, car l&rsquo;assureur couvre un risque plus important.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1769446743254\"><h3 class=\"schema-faq-question my-0 font-semibold\">Peut-on modifier sa quotit\u00e9 en cours de pr\u00eat ?<\/h3> <p class=\"schema-faq-answer\">Oui, notamment lors d&rsquo;une ren\u00e9gociation ou d&rsquo;un changement d&rsquo;assurance, gr\u00e2ce \u00e0 la loi Lemoine. Cela implique une nouvelle \u00e9tude du risque et un possible ajustement du tarif.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>La quotit\u00e9 d&rsquo;assurance emprunteur est la part du pr\u00eat immobilier couverte par l&rsquo;assurance pour chaque emprunteur en cas de d\u00e9c\u00e8s ou d&rsquo;invalidit\u00e9. Bien la choisir est un enjeu majeur car une quotit\u00e9 trop faible laisse un reste \u00e0 charge risqu\u00e9 pour le survivant, et une quotit\u00e9 trop \u00e9lev\u00e9e fait payer des cotisations inutiles. Voici comment\u2026<\/p>\n","protected":false},"author":67,"featured_media":0,"parent":31393,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[723],"class_list":["post-772","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quotit\u00e9 d&#039;assurance emprunteur : d\u00e9finition et choix<\/title>\n<meta name=\"description\" content=\"Quotit\u00e9 d&#039;assurance emprunteur \u2714\ufe0f D\u00e9finition et fonctionnement \u2714\ufe0f R\u00e9partition entre co-emprunteurs \u2714\ufe0f Comment choisir \u2714\ufe0f Le guide expert \u2714\ufe0f\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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